Aella App: Instant loans, bills payment and more

About Aella

We are a fintech company built to simplify instant credit and payment solutions for emerging markets. At Aella, we have designed products that build financial independence for our customers such as loans, investments, bill payments, micro-insurance plans, and money transfers. All of these at the snap of your fingers.

What we Offer

Aella Credit: Quick and easy access to loans in 5mins. You can grow your credit score and increase your credit limit by prompt repayments, with no paper documentation. All you need is your basic information, BVN, and a smartphone (iOS or Android).

Our loan ranges from ₦1,500 to ₦1,000,000 with a tenor of 91 days to 180 days. Our monthly interest rate ranges from 2% - 20% and APR from 22% - 264%/annum.

Example of an Aella Loan

Loan Amount: 90,000
Tenure: 3 Months
Interest Rate: 30%
Monthly Interest: 9,000
Monthly Repayment: 39,000
Processing Fee: None
Late Repayment Fee: None
APR: 120%/annum

How to Apply
Download the Aella App
Create your account
Update your profile
Check eligibility
Apply for loan
Receive funds in your wallet instantly.

Aella Pay: Bill payments made easy. Pay for airtime (Glo, MTN, Etisalat, 9Mobile), Power (EKEDC & IKEDC), Internet Data, Transfers etc at no extra cost.


How to Pay your Bills
Download the app
Create your account
Update your account
Click on the bill payments tab on the homepage
Select your preferred payments (i.e. DSTV, Airtime)
Provide details of your payments

Aella Notes: Invest the smart way on Aella Notes. You can earn up 26% per annum on your investments, with a minimum of N100,000. With Aella Notes, you can also save and keep track of your investments in real-time.

Aella Care: Having health insurance sometimes feels like a long process. At AellaCare, we provide a simple, quick and easy process that helps you to get very affordable health care plans, convenient access to hospitals and drug prescriptions across Nigeria.


Why Aella App?


Quick and easy loans up to N1,000,000. Our 5mins is 5mins. No late fees
Up to 30% interest cut on early repayment
No agency/convenience fees for any bill payments
Store money securely in your wallet, no fee charged
Wallet transfers to any bank account across Nigeria
Earn up 26% interest on investments

Privacy and Permissions

Aella respects your privacy and we are committed to protecting your Personally Identifiable Information (PII) that may be collected through your use of our website or mobile application or in applying for or receiving any of our products or services.

With your permission, we access some data on your device for proper identity verification, loan eligibility determination and some other legitimate purposes.

Read more on our website: https://aellaapp.com/privacy-policy


Contact Us

You can always reach us at [email protected] or through the in-app chat, and our customer service team will be on hand to assist you as quickly as possible

Follow us on Instagram and Twitter: @Aellapp
Website: aellaapp.com